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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $361,507 | $228,352+58.3% | $185,835+94.5% | $158,966+127.4% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 18.31% | 40.81%-22.5pp | 35.96%-17.6pp | 302.95%-284.6pp |
| Employer contribution / active EE | $28,084 | $4,967+465.5% | $4,087+587.1% | $4,762+489.7% |
| Participant deferral / active EE | $11,238 | $6,416+75.2% | $5,633+99.5% | $5,983+87.8% |
| Admin fee / account holder | $1,683 | $11,867-85.8% | $9,502-82.3% | $11,250-85.0% |